# Snap Finance UK > Snap Finance helps underserved consumers across the UK access retail finance through inclusive lending. We believe people are more than a credit score, so we provide finance to customers who may be turned away by other providers. Snap Finance Limited is authorised and regulated by the Financial Conduct Authority (FRN 741813) and is a member of the Finance & Leasing Association, adhering to the FLA Lending Code. Representative 29.9% APR. Snap offers two consumer products: - **Snap Card**: borrow £250–£3,000 on a virtual Visa card, spend it within 30 days across multiple approved retailers, and repay only what you spend over 18, 24, 36 or 48 months. No deposit. - **Snap at Checkout**: apply through a single retailer, online or in store, to borrow £250–£5,000 over up to 48 months. It is the only product with Pay in 4 and, at selected retailers, a 0% 11-month option. Eligibility is checked with a soft search, which does not affect your credit score. A full (hard) credit check is carried out when you take out the loan. Finance is subject to status. Snap does not offer "no credit check" finance. A fuller version of this file, with product details and answers to common questions, is at https://snapfinance.co.uk/llms-full.txt ## Products - [Snap Card](https://snapfinance.co.uk/loans): virtual Visa card loan of £250–£3,000, 30-day spend window, 18–48 month terms, no deposit - [Snap at Checkout](https://snapfinance.co.uk/snap-at-checkout): retailer point-of-sale finance of £250–£5,000 over up to 48 months, including Pay in 4 and the 0% 11-month option at selected retailers - [Pay in 4](https://snapfinance.co.uk/pay-in-4): Snap at Checkout feature; settle in full within 4 months and Snap cancels the interest (opt-in required) - [Loan calculator](https://snapfinance.co.uk/calculator): estimate monthly repayments and total cost by term - [Where to spend](https://snapfinance.co.uk/where-to-spend): approved retailers by category, online and in store - [Apple Pay](https://snapfinance.co.uk/apple-pay): add the Snap Card to Apple Wallet - [Google Pay](https://snapfinance.co.uk/google-pay): add the Snap Card to Google Wallet ## Help and customer support - [Snap Card FAQs](https://snapfinance.co.uk/contact-us/snap-card-faqs): applying, spending, repayments, the Snap Wallet app and troubleshooting - [Pay in 4 FAQs](https://snapfinance.co.uk/contact-us/pay-in-4-faqs): how Pay in 4 works and what happens if a payment is missed - [Application questions](https://snapfinance.co.uk/contact-us/application-questions): approvals, declines, re-applying and payment dates - [Make a payment](https://snapfinance.co.uk/contact-us/make-a-payment): ways to pay - [Balance enquiries](https://snapfinance.co.uk/contact-us/balance-enquiries): how to check your balance - [My Account](https://account.snapfinance.co.uk/): customer login for payments, balance, early settlement figure and loan agreement - [Product deliveries](https://snapfinance.co.uk/contact-us/product-deliveries): deliveries, returns and cancelled orders - [Contact us](https://snapfinance.co.uk/contact-us): phone, email and live chat - [Complaints](https://snapfinance.co.uk/contact-us/complaints): how to complain and how to escalate to the Financial Ombudsman Service - [Financial support](https://snapfinance.co.uk/contact-us/financial-support): help if you are struggling to make repayments - [Vulnerability](https://snapfinance.co.uk/vulnerability): extra support for customers in vulnerable circumstances - [Continuous Payment Authority](https://snapfinance.co.uk/continuous-payment-authority): how repayments are collected and how to cancel a CPA - [Open Banking](https://snapfinance.co.uk/open-banking): how Snap uses Open Banking (via consents.online) in applications ## Credit and eligibility guides - [Soft vs hard credit checks](https://snapfinance.co.uk/blog/soft-vs.-hard-credit-checks): how each check affects your credit file - [How Snap's soft search works](https://snapfinance.co.uk/blog/soft-check): eligibility check with no impact on your credit score; a full check is made when the loan is taken - [How to improve your chances of getting retail finance](https://snapfinance.co.uk/blog/tips-for-applying-for-retail-financing): what lenders look at - [Buying furniture on bad credit](https://snapfinance.co.uk/blog/buying-furniture-on-bad-credit): options if you have been declined elsewhere - [What to do if you're declined by PayPal](https://snapfinance.co.uk/blog/what-to-do-if-you-get-declined-by-paypal): alternatives to PayPal Credit and Pay in 3 - [Understanding how credit works](https://snapfinance.co.uk/blog/understanding-how-credit-works): credit basics - [Finance on credit: understanding and managing credit](https://snapfinance.co.uk/blog/understanding-finance-on-credit): using credit well - [Benefits of credit accessibility](https://snapfinance.co.uk/blog/benefits-of-credit-accessibility): why access to fair credit matters - [Navigating finance responsibly](https://snapfinance.co.uk/blog/navigating-finance-responsibly): terms, fees and interest to check before borrowing ## How retail finance works - [Retail financing explained](https://snapfinance.co.uk/blog/retail-financing-services): point-of-sale finance and how it spreads the cost - [How pay monthly finance works](https://snapfinance.co.uk/blog/pay-monthly): pay monthly options compared - [Flexible payment options and how to shop responsibly](https://snapfinance.co.uk/blog/understanding-flexible-payment-options): types of flexible payment and their trade-offs - [How payment plans help you control your budget](https://snapfinance.co.uk/blog/flexible-payment-plans-help-manage-your-finances): budgeting with fixed repayments - [Unlocking access to credit at your favourite stores](https://snapfinance.co.uk/blog/unlocking-access-to-credit-at-your-favourite-stores): how store-based finance works ## Buying guides by product - [Sofas: weekly finance](https://snapfinance.co.uk/blog/weekly-sofa-finance) - [Sofas: pay monthly, what to consider](https://snapfinance.co.uk/blog/pay-monthly-sofas-what-to-consider) - [Beds and soft furnishings](https://snapfinance.co.uk/blog/how-to-finance-your-dream-bed) - [Carpet finance: benefits explained](https://snapfinance.co.uk/blog/benefits-of-carpet-financing-explained) - [Carpet finance guide](https://snapfinance.co.uk/blog/are-you-thinking-of-transforming-your-living-space) - [Buying a carpet on credit](https://snapfinance.co.uk/blog/flooring-on-credit) - [TVs on finance](https://snapfinance.co.uk/blog/tvs-on-finance) - [Electronics: buy now pay later](https://snapfinance.co.uk/blog/bnpl-for-electronics) - [Washing machines: pay monthly](https://snapfinance.co.uk/blog/how-to-choose-a-pay-monthly-washer) - [Baby essentials on finance](https://snapfinance.co.uk/blog/baby-product-finance) - [Bikes on finance](https://snapfinance.co.uk/blog/bikes-on-finance) - [Car accessories on finance](https://snapfinance.co.uk/blog/finance-car-accessories) - [Jewellery finance](https://snapfinance.co.uk/blog/jewellery-financing) - [Hot tubs on finance](https://snapfinance.co.uk/blog/finance-your-dream-hot-tub-with-snap-finance) - [Flights on finance](https://snapfinance.co.uk/blog/flights-on-finance) ## For retailers - [Snap Finance for retailers](https://snapfinance.co.uk/retailer): point-of-sale finance for UK retailers, including 0% and interest-bearing options, Pay in 4, second-line finance and Snap Card - [Products and features](https://snapfinance.co.uk/retailer/products-and-features): the retailer finance range - [SnapFlex](https://snapfinance.co.uk/retailer/snapflex): 0% over 11 months and interest-bearing finance up to 4 years in one journey - [Shopify plugin](https://snapfinance.co.uk/retailer/shopify-plugin): add Snap at checkout on Shopify - [Why Snap](https://snapfinance.co.uk/retailer/why-snap): why retailers partner with Snap - [Case studies](https://snapfinance.co.uk/retailer/case-studies): retailer results, including Simba Sleep and Sleep Happy Shop - [Become a partner](https://snapfinance.co.uk/retailer/become-partner): partner criteria and how to apply ## Company and policies - [About Snap Finance UK](https://snapfinance.co.uk/we-are-snap): who we are and who we help - [Careers](https://snapfinance.co.uk/careers): working at Snap - [Privacy policy](https://snapfinance.co.uk/privacy-policy) - [Cookie policy](https://snapfinance.co.uk/cookie-policy) - [Website terms and conditions](https://snapfinance.co.uk/terms-and-conditions) - [Snap Loan terms of use](https://snapfinance.co.uk/snap-loan-terms-of-use) - [Card issuer terms (Enfuce)](https://snapfinance.co.uk/enfuce-terms-and-conditions): terms for the Snap Card virtual Visa - [Complaints data](https://snapfinance.co.uk/complaints-publication-report): published complaints figures - [Modern Slavery Act statement](https://snapfinance.co.uk/modern-slavery-act-statement) ## Optional - [Blog](https://snapfinance.co.uk/blog): all articles on retail finance, credit and buying guides - [Offers](https://snapfinance.co.uk/offers): current retailer offers - [Refer a friend](https://snapfinance.co.uk/refer-a-friend): referral scheme